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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,905 | $75,962+67.1% | $154,108-17.7% | $64,173+97.8% |
| Participation rate | 75.0% | 70.4%+4.6pp | 83.0%-8.0pp | 69.6%+5.4pp |
| Annual return | -5.23% | 30.32%-35.6pp | 735.21%-740.4pp | 7.63%-12.9pp |
| Employer contribution / active EE | $4,277 | $3,350+27.7% | $5,298-19.3% | $2,381+79.7% |
| Participant deferral / active EE | $4,155 | $3,175+30.9% | $5,081-18.2% | $3,470+19.7% |
| Admin fee / account holder | $10,317 | $5,589+84.6% | $13,411-23.1% | $4,887+111.1% |